Forget Mortgage Apps: 5 Reasons Why You’ll Want to Use a Human Mortgage Broker

A mortgage broker can be a helpful tool in finding the right opportunity for you, but it can be tempting to deal with mortgage apps that may be able to consolidate all the information you need in one place. While many modern apps can be quite convenient, there are a few reasons you may want to use a knowledgeable mortgage professional to ensure the credibility of your most important purchase.

Up-To-Date On Credible Lenders

A mortgage app can certainly provide many mortgage insights, but it’s not necessarily an able replacement for a broker who has dealt with many different lenders and knows the ins and outs. While an app can point you in the right direction, a broker will be able to keep you informed of all the little details.

Access To Better Rates

There are no guarantees that working with a broker will get you a better deal, but because brokers work in conjunction with a variety of different lenders, they can often get lower rates or special deals which you may not be able to find on your own.

Saving On Fees

In addition to assisting you with finding the best rates, a broker may also be able to minimize fees like the application and/or appraisal fees so that you can knock some of the costs off your mortgage. Since brokers have an established relationship with lenders, this is something you can use to your advantage.

All The Available Options

It can be overwhelming to go through all of the available lenders, and even a detailed app may not be able to provide this information. However, instead of the most popular current options, a mortgage broker will have lending information available from all kinds of institutions so you can choose what will work best.

Making The Process Run Smooth

An app may seem like a time-saver with all the information at your fingertips, but having a broker to look through things for you can provide a lot of comfort and clarity. While you do have the option of diving in on your own, having an expert to help you over the hurdles can go a long way.

There are so many apps out there that can make life a lot easier, but mortgage apps may not be the place to start when it comes to your mortgage process. If you’re currently considering your options, give me a call for more information – J.P. Cook – 602-320-4253.

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4444 N 25th Street Unit 8 Phoenix, AZ 85016

Open House

$699,000

3 Beds

4 Baths

2,000 SqFt

Status Active

MLS # 6760892

Property Type Townhouse

Price Type --

Location location location! Encue Biltmore consists of 46 contemporary townhomes, all with great floor plans, their own private gated entrances and two car garages. Within minutes of shopping, casual/fine dining, and markets like Whole Foods or Trader Joes. Constructed in 2020, this desirable floor plan features a flex space, half bath and storage space on the first level. The living level also features a half bath, a gourmet kitchen with quartz countertops and a gas cooktop, an entertainer's island, and BOSCH appliances. The open floor plan flows into the dining space, leading to the living space which boasts mountain views with sliding glass doors. The beautiful iron staircase leads to 3 full bedrooms, a full bath and laundry. The owners suite also has great mountain views from the bedroom, and shower/en-suite bathroom! Perfect for those looking for a turn-key gem that can be lock & leave if needed.

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7704 W Tether Trail Peoria, AZ 85383

$698,990

4 Beds

3 Baths

2,124 SqFt

Status Active

MLS # 6694756

Property Type Single Family Residence

Price Type --

Brand new community in North Peoria! This single-story Opal floorplan home has 4 bedrooms, 3 bathrooms, and a den, spanning 2124 sq ft of luxury living space. The kitchen has white quartz kitchen countertops, white and shale painted shaker style cabinets , stainless steel gas cooktop, hood, and microwave/oven combo. The home has 8ft interior doors and 8x36 wood plank floor tile throughtout. Upgraded carpet and pad in the bedrooms. Satin nickel door hardware and plumbing fixtures and so much more! Don't miss the opportunity to make the Sanctuary at Aloravita your new home.

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945 E Missouri Avenue Phoenix, AZ 85014

$698,900

3 Beds

3 Baths

2,003 SqFt

Status Active

MLS # 6772900

Property Type Single Family Residence

Price Type --

Welcome to your new charming 1950s home located in the heart of the highly desirable North Central Phoenix corridor! This Mid-Century Modern, single-story gem sits on a spacious lot in a prime location. The updated kitchen features sleek granite countertops, crisp white cabinetry, a stylish backsplash, and stainless steel appliances. With ideal North/South exposure, the expansive backyard is a perfect oasis, complete with a covered patio for relaxing, entertaining, and enjoying the Arizona outdoors. The open space offers plenty of potential for expansion or recreation. Surrounded by excellent dining, vibrant nightlife, and great shopping, this stunning property offers an unbeatable lifestyle. Don't miss this opportunity!

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2004 E Brigadier Drive Gilbert, AZ 85298

$698,900

5 Beds

2 Baths

2,375 SqFt

Status Active

MLS # 6723809

Property Type Single Family Residence

Price Type --

This beautifully upgraded 5-bedroom, 2-bathroom home in the highly sought-after Adora Trails community in Gilbert, Arizona, was just voted ''Best Tour'' and is ready for its next owners. The single-story floor plan offers stylish design and modern comforts, with a completely remodeled kitchen (2021) featuring an induction cooktop and sleek finishes. The master bathroom has also been beautifully updated, adding a touch of luxury to the home. Plantation shutters throughout add charm and functionality, while the private backyard provides a peaceful retreat.The sellers are incredibly motivated and eager to get this home sold! If you've been considering a move, now is the perfect time to make an offer. Don't miss your chance to own this stunning property in this desirable community. The kitchen features upgraded wood cabinets, gourmet appliances, and an induction cooktop. Bonus Flex Room (2021): Can be used as a fifth bedroom, playroom, workout room, or office. Designer Beams: Adds a touch of sophistication to the main room. RV Gate: Ample parking with an expanded driveway and concrete pad. Custom Backyard: Features an added patio and pergola for outdoor enjoyment. Modern Amenities: Solar tube skylights, modern light fixtures, and ceiling fans. Situated adjacent to a grassy common area, providing a serene and spacious environment. Located in the highly sought-after Gilbert area with excellent schools. Close proximity to shopping, freeways, and miles of walking trails. This home offers an exceptional blend of modern upgrades and practical amenities, making it perfect for families or anyone looking for a spacious and well-appointed living space in a vibrant community. Don't miss out on this incredible opportunity!

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7601 E Indian Bend Road Unit 1006 Scottsdale, AZ 85250

$698,900

2 Beds

2 Baths

1,625 SqFt

Status Active

MLS # 6686598

Property Type Apartment

Price Type --

Welcome home! Located in the gated Corriente Condominiums, this charming ground-floor Perla unit epitomizes comfort and modern style. Fabulous interior showcases plantation shutters, designer paint, tons of natural light, and wood-look tile flooring w/carpet in bedrooms. If entertaining is on your mind, you'll love this desirable open layout w/a two-way fireplace! The kitchen boasts SS appliances, granite counters, recessed lighting, ample cabinetry, and a breakfast bar. Versatile den for an office! Main bedroom has an ensuite with two vanities, separate tub/shower, & a walk-in closet. Relax on your private covered patio! Don't miss the assigned two parking spots in the garage. Enjoy the Community pool & spa, clubhouse, golf course, lake views, workout facility, & EV charger and more!

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790 W Superstition Dr Drive Queen Creek, AZ 85140

$698,900

3 Beds

2.5 Baths

2,748 SqFt

Status Active

MLS # 6772530

Property Type Single Family Residence

Price Type --

NEW Palo Verde COMMUNITY! Inviting 3 bed 2.5 bath plus Den single level home with 10' ceilings that you are sure to fall in love with. Chefs' paradise featuring gourmet kitchen w/ stacked cabinets, quartz countertops, high end appliances & a Morning Kitchen/Butler's Pantry. The primary bedroom is very spacious, and the primary bath features a very large walk-in shower that is a must see. Plus, a 4 CAR TANDEM GARAGE! Amenities galore at North Creek including pool, outdoor fireplace, BBQ's, basketball & pickleball courts, Parks & playgrounds, walking paths, exercise stations & a nature sensory park! Home is under construction and should be complete by December 2024.

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28225 N Crook Court Rio Verde, AZ 85263

$698,500

2 Beds

2 Baths

1,543 SqFt

Status Active

MLS # 6764582

Property Type Single Family Residence

Price Type --

Discover the epitome of luxurious living with this stunning 2-bedroom, 2-bathroom residence nestled in the prestigious TRILOGY AT VERDE RIVER community. Boasting breathtaking PANORAMIC VIEWS of the iconic FOUR PEAKS, this home is a true haven for those seeking a perfect blend of sophistication and natural beauty. As you step inside, you'll be captivated by the meticulous attention to detail and numerous upgrades that adorn this residence. The gourmet kitchen is a chef's delight, featuring top-of-the-line GE Monogram appliances, upgraded cabinets, and an expansive island with quartz counters. The kitchen seamlessly flows into the living space, creating an open and inviting atmosphere. Enhancing the indoor-outdoor living experience, the 15' multi-sliding patio doors lead to a private outdoor oasis with an awe-inspiring mountain view. Situated on an elevated lot with only 1 neighbor, this home offers a sense of tranquility and seclusion. Luxury extends to the bedrooms, where plantation shutters and remote-controlled shades provide an extra layer of comfort and style. The master bedroom features an en-suite bathroom with modern fixtures and finishes. Beyond the confines of the home, Trilogy at Verde River invites you to indulge in resort-style living. This exclusive community offers a range of amenities, including golf, tennis, pickleball, a lap pool, a resort pool, a hot tub, and fine and casual dining options. Immerse yourself in the active lifestyle that Trilogy at Verde River has to offer while relishing the serene beauty of the surrounding landscape. Don't miss the opportunity to make this exquisite residence with unparalleled views your own. Experience the pinnacle of desert living in this meticulously crafted home in the heart of a resort-style community.

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1653 S Navajo Way Chandler, AZ 85286

$698,500

4 Beds

3 Baths

2,321 SqFt

Status Active

MLS # 6748523

Property Type Single Family Residence

Price Type --

Beautiful, well cared for home located in a highly desired Chandler community, near Intel and just minutes away from 202 and 101 Highways. In district for Top Rated Chandler Unified School District schools. The home sits on HUGE lot (9,927sqft) & has newly refinished pool and deck (2017) w/ gorgeous waterfall, green grass, & trees to provide shade. Front yard has mature Chinese Elm tree that adds greenery & shade to the low maintenance, desert landscaped front yard. Inside is a upgraded split floor plan. Master bedroom has walk in closet, separate shower & tub, and dual sinks. Great sized bedrooms, one offering a convenient en suite. Tile throughout except carpet in bedrooms. Open floor plan, large kitchen with Island and granite tile countertops. MANY IMPROVEMENTS recently done. Pool Remodel with new pool filter, pool deck and additional concrete 2017, Window Shade screens 2018, New Carrier 16 SEER 5 ton A/C with new duct work and additional return 2018, b-Hyve Irrigation timer 2019, Replace DE Pool Filters 2021, New Garage Doors 2020, Exterior paint 2021, New Rheem hot water heater 2022, New dishwasher & microwave 2023, BRAND NEW ROOF (entire roof with transferrable 10 year warranty) 2024

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7322 S Briarwood Lane Gilbert, AZ 85298

$698,000

6 Beds

4 Baths

2,625 SqFt

Status Active

MLS # 6748833

Property Type Single Family Residence

Price Type --

Stunning 6 bed, 4 bath home in Gilbert, AZ! Built in 2023, this modern gem boasts upgraded stainless steel KitchenAid stainless steel appliances, LG front-loading washer/dryer, and a beautifully designed backyard with luxury pavers and artificial grass-perfect for entertaining or relaxing. Located by the San Tan Mountain, you'll enjoy quick access to hiking trails, parks, and Gilbert's vibrant dining and shopping options. With modern finishes and energy-efficient upgrades, this home offers both style and functionality. **OPEN TO OFFERS** **Includes 9 year limited home warranty from KB Homes**

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1448 N Overlook Drive Dewey, AZ 86327

$698,000

4 Beds

3 Baths

3,686 SqFt

Status Active

MLS # 6775131

Property Type Single Family Residence

Price Type --

Beautiful Custom Home in Prescott Country Club with Spectacular Views! Private Cul-de-Sac Location! 4BR/3BA/2 Car Garage, 3686 SqFt. Courtyard Garden with Walkway to Double Door Entry Leads to Light and Bright Great Room and Family Room w/High Ceilings, Skylight and Large Picture Windows with Amazing Views! Kitchen and Informal Dining Area Include Electric Cooktop, Induction Oven, Whirlpool Refrigerator, Corian Countertops and Access to Private Patio w/Trex Decking and Pergola Overhang. Primary BR/Bath Features High Ceilings, Lighted Ceiling Fan, Walk In Closet and Sliding Door w/Access to Private Patio. Lower Level Features In Law Suite Including One Bedroom, Kitchenette, Craft Room, Workshop and Large Open Area for Entertaining or Game Room. New A/C, Solar Owned.

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7041 W Knox Road Chandler, AZ 85226

$698,000

4 Beds

3 Baths

1,904 SqFt

Status Active

MLS # 6779188

Property Type Single Family Residence

Price Type --

Escape to your own private oasis in this stunning 4 bedroom, 3 bathroom home nestled on one of the largest lots in the gated community of Rhythm! This sprawling 5,100 sq ft haven offers the perfect blend of space and tranquility. Imagine entertaining friends and family in the spacious open-concept living area, complete with a gourmet kitchen featuring upgraded appliances, a breakfast bar, and ample counter space. Retreat to your luxurious master suite with a walk-in closet and a spa-like bathroom with a standalone shower and dual sinks. Enjoy peace and quiet throughout the home thanks to superior soundproofing with upgraded 6'' exterior walls. With brand new carpet and fresh paint, this home is move-in ready and waiting for you! Plus, you'll love the oversized two-car garage. There are many amazing community amenities, including a heated pool, basketball court, and a fully-equipped gym in the community center. All of this in a fantastic location near restaurants, shopping, I-10, and Loop 202. Don't miss out on this incredible opportunity to experience the Rhythm lifestyle!

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5745 N 13th Street Phoenix, AZ 85014

$698,000

4 Beds

2 Baths

1,860 SqFt

Status Active Under Contract

MLS # 6773346

Property Type Single Family Residence

Price Type --

This charming and cozy retreat is nestled in a vibrant neighborhood, walking distance to wonderful coffee shops, boutiques and restaurants. This home lives larger than expected with two spacious living rooms and an open kitchen. The expansive backyard is a serene oasis, perfect for a morning cup of coffee or a gathering with friends. AC Unit replaces in 2022 - Large Free standing shed included.

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